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SISTEM PEMBIAYAAN SOSIAL BERBASIS KOMUNITAS ERA SONITA; AHMAD WIRA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i2.223

Islamic cooperative is a financial system based on social and solidarity, where its characteristics are different from other financial institutions. This social financial institution is a set of interdependent relationships between financial and social. This paper explains about how the institutional economy in this case the Islamic cooperative understands the form of interaction between individuals, organizations in establishing mutually supportive relationships. What is the form of sustainability of Islamic cooperative financial institutions through its ability to respond to the needs of its members towards the needs of venture capital without applying interest and profit sharing. In the sense of the word form of work of this Islamic cooperative institution based on the concept of help to help members of the cooperative.

TANTANGAN KEAMANAN SIBER DALAM MANAJEMEN LIKUIDITAS BANK SYARIAH : MENJAGA STABILITAS KEUANGAN DI ERA DIGITAL Restika Restika; Era Sonita
Krigan: Journal of Management and Sharia Business Vol 1, No 2 (2023): Desember 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v1i2.7929

Penelitian ini mengeksplorasi tantangan keamanan siber yang dihadapi oleh lembaga keuangan, khususnya bank syariah, dalam konteks manajemen likuiditas guna menjaga stabilitas keuangan di era digital. Era digital menandai transformasi lanskap keuangan yang memberikan kemudahan tetapi juga menimbulkan risiko keamanan siber yang signifikan. Bank syariah, sebagai entitas keuangan yang mengimplementasikan prinsip-prinsip syariah, terutama rentan terhadap serangan siber yang dapat mengancam likuiditas dan stabilitas keuangan mereka. Penelitian ini mencakup latar belakang mendalam tentang serangan siber dan manajemen likuiditas di bank syariah. Dengan mempertimbangkan teori-teori terkini dan studi kasus terkait, penelitian ini menganalisis dampak serangan siber terhadap likuiditas dan stabilitas keuangan bank syariah. Sebagai bagian dari metodologi penelitian, studi literatur mendalam digunakan untuk mengidentifikasi tren, tantangan, dan strategi terkait keamanan siber dalam manajemen likuiditas. Temuan penelitian ini memberikan wawasan mendalam tentang bagaimana bank syariah dapat menghadapi dan merespons tantangan keamanan siber, serta strategi yang dapat diterapkan untuk mempertahankan stabilitas keuangan di era digital. Implikasi praktis dan rekomendasi untuk lembaga keuangan serupa turut dibahas, memberikan kontribusi pada pemahaman praktis dan kebijakan terkait manajemen likuiditas dan keamanan siber.Penelitian ini memberikan pemahaman yang lebih mendalam tentang hubungan antara keamanan siber dan stabilitas keuangan, memberikan kerangka kerja yang diperlukan bagi bank syariah dan lembaga keuangan lainnya untuk menghadapi tantangan kompleks ini..AbstractThis research explores the cyber security challenges faced by financial institutions, especially Islamic banks, in the context of liquidity management to maintain financial stability in the digital era. The digital era marks a transformation of the financial landscape that provides convenience but also poses significant cybersecurity risks. Islamic banks, as financial entities that implement sharia principles, are especially vulnerable to cyber attacks that can threaten their liquidity and financial stability. This research includes an in-depth background on cyber attacks and liquidity management in Islamic banks. By considering current theories and related case studies, this research analyzes the impact of cyber attacks on the liquidity and financial stability of Islamic banks. As part of the research methodology, an in-depth literature study was used to identify cybersecurity-related trends, challenges and strategies in liquidity management. The findings of this research provide in-depth insight into how Islamic banks can face and respond to cyber security challenges, as well as strategies that can be implemented to maintain financial stability in the digital era. Practical implications and recommendations for similar financial institutions are discussed, contributing to practical and policy understanding regarding liquidity management and cyber security. This research provides a deeper understanding of the relationship between cyber security and financial stability, providing the necessary framework for Islamic banks and other financial institutions to face this complex challenge.

Pengaruh Profitabilitas, Likuiditas, dan Efisiensi Biaya Operasional terhadap Beban Pajak Penghasilan (PPH) Analisis Perusahaan Industri Dasar dan Kimia di Bursa Efek Indonesia (BEI) Wisca Nabila Huda; Era Sonita
Jurnal Riset Sosial Humaniora dan Pendidikan Vol. 3 No. 2 (2024): Juni : Jurnal Riset Sosial Humaniora, dan Pendidikan
Publisher : LPPM Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/soshumdik.v3i2.1689

This research occurs because it is motivated by differences in theory with what happens in the field. As in the Tjiwi Kimia Paper Factory Tbk company and PT Semen Baturaja Tbk company where the profitability value is not in line with the increase in corporate income tax on the company. And at the company PT Unggul Indah Cahya Tbk and PT Ekadharma Internasional Tbk, the large liquidity of the company does not make the corporate income tax on the company increase. As well as in the companies PT Madusari Murni Indah Tbk and PT Sinergi Inti Plastindo Tbk where efficiency in managing operating costs is not in line with the company’s corporate income tax. With the intention of this study aims to see how the relationship of profitability, liquidity and operational cost efficiency to corporate income tax on the company, where corporate income tax is an obligation of the Agency to the government. The research method used in this research is quantitative research. Data is collected by the documentation study method from the company’s financial statements. The type of data used is Secondary Data. Data sourced from audited financial statements published by the company, publicly available capital market data, and additional relevant information from the company’s annual report and IDX database. The results showed that profitability has a positive effect on corporate income tax with a tcount> ttable value of 3.408> 2.028. While liquidity has no effect on corporate income tax with a tcount value < ttable, namely -3,433 < 2,028. Operating cost efficiency has no effect on corporate income tax with a tcount value < ttable, namely -1.810 < 2.028. And simultaneously profitability, liquidity and operational cost efficiency have a simultaneous effect on corporate income tax as evidenced by the value of Fhitung> Ftabel = 17,952> 2,866.

PENGARUH PROFITABILITAS, LIKUIDITAS DAN ARUS KAS TERHADAP HARGA SAHAM PADA PERUSAHAAN TELEKOMUNIKASI YANG TERDAFTAR DI BEI 2018-2022 Rahma Zainatul Hasnah; Era Sonita
Jurnal Ekonomi dan Bisnis Vol. 2 No. 11 (2024): November
Publisher : ADISAM PUBLISHER

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This study was motivated to find out how the effect of prooofitability as measured by Retun On Asset, liquidity as measured by Cuurent Ratio ang cash flow on stock prices in telecomunications companies listed on the IDX 2018-2022. This study uses a decriptive quantitative approach. The sample was selected using purposive sampling method so that a sample of 11 companies was obtained from a total of 21 telecommunications company populations. Data collection using the documentation method with secondary data in the form of company financial reports for 2018-2022. Data analysis techniques using descriptive statistical tests, classical assumpion tests consisting of normality tests, multicollinearity tests, autocorrelation tests, detetmination coefficient test and hypothesis tests. Partial research reults show that profitability and liquidity have no significant effect on stock prices, cash folw has a significant effect on stock prices. Simultaneously profitability, liquidity and cash folw have no effect on stock prices, based on the coefficient of determination test shows that profitability, liquidity and cash flow affect stock prices by 12,8%, while 87,2% is influenced by other variables.

TANTANGAN KEAMANAN SIBER DALAM MANAJEMEN LIKUIDITAS BANK SYARIAH : MENJAGA STABILITAS KEUANGAN DI ERA DIGITAL Restika, Restika; Sonita, Era
Krigan: Journal of Management and Sharia Business Vol. 1 No. 2 (2023): Desember 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v1i2.7929

Penelitian ini mengeksplorasi tantangan keamanan siber yang dihadapi oleh lembaga keuangan, khususnya bank syariah, dalam konteks manajemen likuiditas guna menjaga stabilitas keuangan di era digital. Era digital menandai transformasi lanskap keuangan yang memberikan kemudahan tetapi juga menimbulkan risiko keamanan siber yang signifikan. Bank syariah, sebagai entitas keuangan yang mengimplementasikan prinsip-prinsip syariah, terutama rentan terhadap serangan siber yang dapat mengancam likuiditas dan stabilitas keuangan mereka. Penelitian ini mencakup latar belakang mendalam tentang serangan siber dan manajemen likuiditas di bank syariah. Dengan mempertimbangkan teori-teori terkini dan studi kasus terkait, penelitian ini menganalisis dampak serangan siber terhadap likuiditas dan stabilitas keuangan bank syariah. Sebagai bagian dari metodologi penelitian, studi literatur mendalam digunakan untuk mengidentifikasi tren, tantangan, dan strategi terkait keamanan siber dalam manajemen likuiditas. Temuan penelitian ini memberikan wawasan mendalam tentang bagaimana bank syariah dapat menghadapi dan merespons tantangan keamanan siber, serta strategi yang dapat diterapkan untuk mempertahankan stabilitas keuangan di era digital. Implikasi praktis dan rekomendasi untuk lembaga keuangan serupa turut dibahas, memberikan kontribusi pada pemahaman praktis dan kebijakan terkait manajemen likuiditas dan keamanan siber.Penelitian ini memberikan pemahaman yang lebih mendalam tentang hubungan antara keamanan siber dan stabilitas keuangan, memberikan kerangka kerja yang diperlukan bagi bank syariah dan lembaga keuangan lainnya untuk menghadapi tantangan kompleks ini..AbstractThis research explores the cyber security challenges faced by financial institutions, especially Islamic banks, in the context of liquidity management to maintain financial stability in the digital era. The digital era marks a transformation of the financial landscape that provides convenience but also poses significant cybersecurity risks. Islamic banks, as financial entities that implement sharia principles, are especially vulnerable to cyber attacks that can threaten their liquidity and financial stability. This research includes an in-depth background on cyber attacks and liquidity management in Islamic banks. By considering current theories and related case studies, this research analyzes the impact of cyber attacks on the liquidity and financial stability of Islamic banks. As part of the research methodology, an in-depth literature study was used to identify cybersecurity-related trends, challenges and strategies in liquidity management. The findings of this research provide in-depth insight into how Islamic banks can face and respond to cyber security challenges, as well as strategies that can be implemented to maintain financial stability in the digital era. Practical implications and recommendations for similar financial institutions are discussed, contributing to practical and policy understanding regarding liquidity management and cyber security. This research provides a deeper understanding of the relationship between cyber security and financial stability, providing the necessary framework for Islamic banks and other financial institutions to face this complex challenge.

Analisis Strategi Pengembangan Objek Wisata Pemandian Peridon Siap Maju di Tinjau Dari Persfektif Bisnis Syariah (Study Kasus Pemandian Peridon Siap Maju di Kabupaten Pasaman Barat) Putrianti, Welli; Sonita, Era
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 11 (2025): June, 2025
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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This thesis is titled “Analysis of Development Strategy for Peridon Siap Maju Swimming Pool Tourist Attraction Viewed from the Perspective of Islamic Business”. The study aims to evaluate the development strategy of tourist attractions in Pasaman Barat Regency, focusing on Peridon Siap Maju Swimming Pool, established in 2019. This tourist attraction has great potential but has experienced a decline in visitor numbers in recent years. Through SWOT analysis, this study identifies the strengths, weaknesses, opportunities, and threats faced by the attraction. The results show that the natural beauty and unique facilities are the main strengths, while the lack of supporting facilities and accessibility issues are the weaknesses. Opportunities for development include sustainable tourism and ecotourism trends, while threats include the risk of environmental damage. This study also integrates Islamic principles into business development, such as providing halal food and separating facilities for men and women. Therefore, the proposed development strategy includes improving infrastructure, providing worship facilities, and more effective promotion to attract visitors. This research is expected to contribute to the development of sustainable local tourism that aligns with Islamic values, as well as improve the welfare of the local community through job creation and increased income.

Is Islamic Higher Education Ready to Become an Entrepreneurial University? Sonita, Era; Febrimansyah, Rudi; Henmaidi, Henmaidi; Nofialdi, Nofialdi; Fauziah, Suci
International Journal of Social Science and Business Vol. 9 No. 1 (2025): February
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v9i1.94559

This study explores the transformation of entrepreneurship in Islamic State Universities in Indonesia with a case study of Islamic State Universities in West Sumatra, UIN Imam Bonjol Padang UIN, UIN Sjech M. Djamil Djambek Bukittinggi and UIN Ahmad Yunus Batusangkar are Islamic State Universities in West Sumatra that have prepared themselves to face changes in the concept of higher education and shifts in the expectations of society and industry towards the role of universities in the economy. Respondents in this study were leaders, lecturers of entrepreneurship courses, researchers focused on entrepreneurship, students, and business development center units. This study aims to determine how big the gap is between performance and expectations from the implementation of the entrepreneurial university ecosystem using the Importance Performance Analysis (IPA) method. The European Commission and OECD entrepreneurial university framework was applied for data analysis. The Cartesian diagram in the Importance Performance Analysis (IPA), shows that five aspects must be the focus of Islamic State Universities in West Sumatra, consisting of UIN Padang, UIN Bukittinggi, and UIN Batusangkar, which must be improved in their implementation. The five aspects are: 1) leadership and governance; 2) organizational capacity, human resources, and incentives; 3) development of entrepreneurship in learning and teaching; 4) university-industry/external relations in knowledge exchange; 5) entrepreneurial universities as international institutions.

Strategi Pengembangan Sumber Daya Manusia untuk Mengatasi Keterbatasan Tenaga Kerja di Risse Convection Sungai Pua Kabupaten Agam Nadiatul Khaira; Era Sonita
Jurnal Bisnis, Ekonomi Syariah, dan Pajak Vol. 2 No. 2 (2025): Juni : Jurnal Bisnis, Ekonomi Syariah, dan Pajak (JBEP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jbep.v2i2.1053

This research is motivated by the limited workforce at Risse Convection, where this convection has not been able to increase income significantly due to limited production capacity caused by a lack of qualified workforce. The aim of this research is to provide concrete recommendations for Risse Convection in developing an effective human resource development strategy to deal with workforce limitations and meet demand for sharia clothing products. The following is the essence of the research based on the problem formulation for copra entrepreneurs in Nagari Lansek Kadok: the majority of copra entrepreneurs in Nagari Lansek Kadok, South Rao District, Pasaman Regency, prioritize excellent service to customers and analyze the growth of their business to increase people's income. Because most of the residents of Nagari Lansek Kadok have lower middle class incomes, the community still views the purchase price given by the seller (copra entrepreneur) as reasonable. The business strategies of Nagari Lansek Kadok copra entrepreneurs, the factors that hinder these entrepreneurs, and the development strategies carried out by traders in this area are things that need to be improved if the residents of Nagari Lansek Kadok, South Rao District, Pasaman Regency can make improvements. to see an increase in their income. The reason behind this is that they continuously incorporate new ideas into the development of their company. Based on the research results, it can be concluded that the human resource development strategy to overcome the limited workforce in Risse Convection Sungai Pua, Agam Regency is: 1. Lack of workforce at Risse Konveksi resulted in reduced production of sharia clothing on the market, workforce competency occurred due to the lack of special training for employees, resulting in the work being completed more slowly or not on time. To overcome this problem, Risse Convection implements an annual reward system, and employee training is carried out personally. For new employees, Risse Convection uses its convection advantages in innovative sharia clothing designs to be able to recruit employees from the surrounding area or outside the village/nagari as well as the use of social media to promote new design innovations to reach a wider audience and increase brand visibility. 2. By using the SO (Strength-Opportunity) strategy method, namely optimizing existing strengths by taking advantage of existing opportunities. The SO (Strength-Opportunity) strategy that can be applied in increasing employment at Risse Convection is: utilizing excellence in innovative sharia clothing design to recruit employees from the surrounding area or outside the village/nagari and maintaining an annual reward system for employees who work hard to improve motivation and productivity.

Peningkatan SDM Menuju Kemandirian UMKM Melalui Kualitas Pendidikan dalam Mewujudkan Sustainable Development Goals Sonita, Era; Helmi, Helmi
JUSIE (Jurnal Sosial dan Ilmu Ekonomi) Vol. 4 No. 02 (2019): JUSIE (Jurnal Sosial dan Ilmu Ekonomi)
Publisher : Jurusan PIPS FKIP UMMY Solok

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36665/jusie.v4i02.220

Poverty is a major factor in the slow progress of national development. Poverty is caused by the low productivity of a society. Low productivity is caused by the low quality of human resources owned by a country. The low quality of human resources, one of the reasons is the level of education of the community. Education is an important aspect in producing quality human resources. Poor quality of education is a contributing factor to poverty. The need for a concept of quality education

Integritas Pendidikan Kewirausahaan dalam Mewujudkan Muslim Entrepreneurship (Studi Kasus Mahasiswa FEBI IAIN Bukittinggi) Sonita, Era; Helmi, Helmi
JUSIE (Jurnal Sosial dan Ilmu Ekonomi) Vol. 5 No. 01 (2020): JUSIE (Jurnal Sosial dan Ilmu Ekonomi)
Publisher : Jurusan PIPS FKIP UMMY Solok

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36665/jusie.v5i01.237

The main objective of the Faculty of Economics and Islamic Business (FEBI) IAIN Bukittinggi is to prepare the graduates who can compete in both academic and non-academic fields. Accordingly, researcher would like to deeply examine the synergy of attitude and knowledge to develop entrepreneurship spirit of the students of Faculty of Economics and Islamic Business (FEBI) IAIN Bukittinggi. After analyzed qualitatively using; SWOT analysis, SWOT Matrix, and Charge Table Score, it can be pointed out that the synergy of attitude and knowledge in the development of entrepreneurship of students namely; 1) To grow values: religious, honesty, tolerance, ideas and creativity, awareness of the norms and rules, a strong spirit in learning, a strong drive to excel, confidence, and independence, interest, perseverance, and motivation, the desire to explore and produce economic resources, entrepreneurial spirit and entrepreneurship, And, 2). Realizing knowledge about; entrepreneurship ideas that suits the needs of the market, the development of business prospects, and business management.

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